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Mortgage after DMP
Hi All, We are about to pay off our DMP (which has been running for 10 years!) amongst all other existing debts in preparation for buying a new house. Many mortgage advisers have told us that we are 99% sure to get a new mortgage based on our current income/expenditure and credit reports if we apply in August when a few…
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Multiple credit cards
I've had a really bad 3 years which saw me lose my mum and then my unborn baby boy. Then my husband decided he didn't love me anymore and left with a woman I thought was my friend. Anyway he refused to pay child support for our daughter. He's self employed so it took the CSA almost a year to sort maintenance out. I racked…
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Claim from Wonga?
I paid all this interest to Wonga. As you will see, I had to roll over loans. Have I got a leg to stand on in terms of trying to claim anything back? Below are the interest charges I paid: 17 April 2014 £1.22 14 May 3014 £1.71 17 January 2015 £1.20 20 February £10.24 20 March 2015 £18.72 17 April 2015 £28.80 14 May 2015…
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DMP question
HI Everyone Can one half of a married couple enter a DMP without the other entering one ? The reason I ask is my hubby and I both owe a lot on credit cards....he owes approx 42K , I own 20k No payments have ever been missed or late but its such a struggle now that all interest free periods have ended . Can he enter an…
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Salary Overpayment - help! :(
Hi everyone, I know this topic has been done to death in the forums over the years, but my case is a little bit different so need some advice... I worked for a local authority for 3 years December 2011 to December 2014. In August 2014 my hours were halved but that month I still received a full month's salary. I told my…
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County Court Claim Form - Older Uni Student Facing Debt
Hi all. I was one of those guys who buried his head in the sand after being unable to repay debts. I was young and ill advised, I got the whole 'they won't be able to do anything', they 'go off your file in six years' etc... Well I decided to face them as I just have become recently employed on a zero hour contract. At the…
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Starting out and need help!
I was not sure which section to put this in and some of the sections didnt allow a new thread, but i was looking for some advice and heard this forum is great. I am 25 years old male, living in the UK, in the final year of my PhD (Dementia research), and I have very little savings, obviously a large student loan and little…
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Okay, time to actually get act together.
Hi all, I posted the other week about getting a CCJ through the door. Nice thing to wake up with and give you a kick in the face. I was originally going to be looking at going onto an IVA as I had been told that this would be the best option. In total I have just short of £21000 ranging from 2008 to 2017. I have been…
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SLL account with no credit file entry - been given a settlement offer - help!
[FONT="]Hi, just looking for some information relating to an old Sunny debt. They sold it on to SLL Capital and marked the account as “closed” on my credit file without defaulting the account.[/FONT] [FONT="] [/FONT] [FONT="]SLL haven’t updated my credit file with a new entry or default, but I’ve been making…
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Debt
Credit Card (23.7% APR (variable): -4155.47 Current Account: -17.88 Help To Buy: +1808.49 Personal Loan (Not sure what the APR is): -1994.69 These are my current debts and I am uncomfortable being almost 6K in debt, I've done well as I was 10K in debt but I am just tackling the last lot. I am looking into a balance…
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HSBC Identity Theft Being Taken To Cour
Hope this is the right place to ask for help. I was contacted in 2011 by Westcote saying I owed HSBC £900, I've never had a HCBC account so was referred to my local branch where I had to fill in a load of forms, provide copies of I'd and copies of signature. They also referred me to contact police fraud number which I did…
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DMP/token payments
Hi I've done the debt remedy on step change and they suggest a DMP. But I did it based on what I'm hoping my income will be in March when my ex has to start paying child support. Should I do the token payment thing until I've got the child support money coming through? He stopped paying a couple of months ago and it's…
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Student Overdraft!
Hello, I have a student overdraft of £2000 in which I've held for about 5-6 years now. My bank is with Natwest and my current account is now a "Select" account, as it was previously called "Student" and then to "Graduate". I am in full time work earning enough to repay this overdraft but I am terrible with saving my money.…
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Share your bailiff story
Hello, Have you had an experience with bailiffs in the last couple of years? If you have we’d like to hear your story, good or bad, on the website we’ve set up: https://www.bailiffreform.org. It’s easy to share your story and we’re hoping to use the responses to show the Ministry of Justice that the bailiff industry needs…
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Small Claims Court - Warrant Suspension?
Good morning, I am currently in small claims court with an ex-housemate who is refusing to pay outstanding council tax and utility bills. She requested to suspend the warrant so that the bailiffs would stop visiting her parents property. She offered me £10 a month for a debt of £607, I refused and advised I would take no…
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Wrong advice leading me to owe £9k
Last August I enquired to the Student Loans Company about doing a 1-year HNC in Construction. Now I already had three years of funding for my first degree - at UcLan, in Journalism with Eng. Lit. and my question to SLC was having had those three years of funding, knowing that everyone gets 3 years plus 1 "gift year" -…
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How do I work out date of default?
Hi everyone, I hope it's ok to post this here, I've searched first and can't find any similar questions or answers. I've checked my reports this morning and was wondering how I work out date of default on historically defaulted accounts. I know in the past it clearly said default date but now all I can see is date last…
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Help in delaying ccj
Hi all, I posted here several years ago for one of my service users and got some help. So I'm hoping you could be as kind as to help again for another of my clients . Can someone delay a ccj being issued? The long version is below I've been helping a client for several months and she's been to see me today with her mother.…
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Should We Sell Our Home?
My wife and I are 53/59 yrs old. We have $0 savings and retirement. We have over $32k in debts excluding our home. Our household income is $140k. Several agents have inquired with us to sell our home. We owe $71k on our home and they are offering $170k. Should we sell our home to become debt free?
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Using an overdraft to pay payday loan?
Hi everyone I am wondering if anyone can help me. I have done a few searches and can't find the answer anywhere. I currently have a £7000 overdraft with Amigo Loans with an extortionate interest rate. Now I can't complain as I agreed to the terms on the loan. I have now been offered at £5000 overdraft on my HSBC account…